Is the OfficeMax credit card application deceiving?

OfficeMax storeA couple years ago the OfficeMax Visa Signature credit card was launched. It’s a much better deal than what they previously offered, which offered little to nothing in terms of rewards. Their new credit card does offer rewards but the way its marketed can be a bit confusing to some people.

This is what OfficeMax says on their website, the page you see before the actual application:

  • Earn 5% Or More
    As a MaxPerks member, you receive a $25 reward for every $500 in qualified purchases

–and–

  • Earn 3%
    Earn 3 Visa Reward Points per $1 on net purchases at OfficeMax

– or –

  • Earn 1%
    Earn 1 point in Visa Rewards per $1 spent on net purchases anywhere else Visa cards are accepted

What’s wrong with this picture?

I have been contacted by at least one person who was confused by the way they worded this. Why? Because you do not need the OfficeMax credit card to earn the “5% or more” through the MaxPerks. That is a loyalty rewards program that is separate from the credit card. Anyone can join the MaxPerks program and earn 5% even without the OfficeMax Visa card.

So ultimately, what the card itself gives you:

  • 3% at OfficeMax (not 8%)
  • 1% elsewhere

(Note: The Office Max Business credit card is even worse in that it gives no additional rewards)

This isn’t a bad deal at all for a store-affiliated card, but surprisingly, in 2014 you may be able to earn higher rewards at OfficeMax by using a different credit card instead. Check out our current cash back and business card offers to see how much more you could earn at Office Max.

Conclusion?

The OfficeMax Visa Signature credit card is definitely an improvement over their previous cards but at the end of the day, it’s not going to give you the highest rewards. If you want the maximum rebate possible, your best bet is to use a cash back or business rewards card that pays you extra cash back for business supply category purchases like those from a store like OfficeMax.

 
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